Bank 360: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 224.6% higher than in Q1 2026, at $5.3M. Within Oklahoma, Bank 360 is 18th of 169 on loan-to-deposit ratio, 99.63% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Bank 360 sits 32.31 points higher, at 99.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.1M |
| Fed funds sold and reverse repos | $5.3M |
| Fed funds sold and reverse repos to assets | 8.64% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $900K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.63% |
| Net loans and leases to deposits | 98.53% |
| Loans and leases to core deposits | 130.72% |
| Core deposits to total deposits | 76.22% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 102.43% | 60.97% | $0 | $900K |
| Q4 2023 | 103.12% | 60.55% | $0 | $900K |
| Q1 2024 | 99.54% | 60.95% | $0 | $900K |
| Q2 2024 | 95.24% | 61.56% | $0 | $900K |
| Q3 2024 | 91.88% | 62.59% | $0 | $900K |
| Q4 2024 | 89.95% | 63.22% | $0 | $900K |
| Q1 2025 | 86.37% | 63.94% | $0 | $900K |
| Q2 2025 | 86.80% | 69.24% | $0 | $900K |
| Q3 2025 | 87.66% | 68.75% | $0 | $900K |
| Q4 2025 | 93.62% | 69.73% | $0 | $900K |
| Q1 2026 | 106.46% | 75.65% | $0 | $900K |
| Q2 2026 | 99.63% | 76.22% | $0 | $900K |
Bank 360 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 360, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank 360 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9875) · FFIEC NIC profile (RSSD 464853)